Do any of you earn overtime, get tax refunds, have part time jobs?
I get money for teaching extra classes and teaching in the Summer. I'm challenging myself to not spend this extra money of unnecessary "stuff." I will either reduce the principal on my mortgage or put it in my new car sinking fund. This will prove that I'll be able to live comfortably on my retirement.
If anyone wants to join me on this "extra money" challenge, let's go!!!
Any extra income this month will go towards my vacation at the end of January.
Today was paid double time for the holiday and my pay check on the 8th will include double time from Christmas day.
i don't work all the crazy hours this year. first time in my career...found myself burning out. if i do get any extra it is going to pay down loans income tax refund goes to fill oil tanks.
Tax time: 1/2 of any refund and 1/2 of what dh decides to draw
Extra check #1:
Extra check #2:
Christmas money: 1/2 of whatever dh decides to draw
Bonuses (usually quarterly):
#1 priority: EF
? after that is completed, need to think about it
I don't ever get extra money, per say. I get gift cards from daycare parents at Christmas. I get gift cards from taking surveys online. I do get a tax refund each year, and that always goes toward credit card payments, or paying bills ahead. Trying to think of ways to make extra money, not daycare or watching kids, but I work 5:45am-5:45pm and really love my nights for my own kids and their stuff, and weekends for family. Hm.
Trying to think of ways to make extra money, not daycare or watching kids, but I work 5:45am-5:45pm and really love my nights for my own kids and their stuff, and weekends for family. Hm.
Selling used clothing that your kids outgrow. Anything you aren't planning on keeping in the house is a salable item. Your kids are at an age with growth spurts... clothes should be able to sell. Outgrown games from what ever consoles. Books.
Daycare items. Somethings just aren't a hit, why keep them? Sell them.
Trying to think of what I do. I am seriously considering learning how to do alterations on clothing, like you I have a daycare, and there isn't really extra to be made unless you work more, but I'm hoping to start cutting back now that the debts are settled, but dh needs to be working. There is decent money to be made for what is really a short amount of time.
Of course I say that and one family picked up 50 minutes late the other night. I charge $1 a minute past my closing. They came with $50 in hand today.
I should start trying to sell their clothes/books/games. Usually I just donate to goodwill to get them out of here. Last month I had 4 large tupperware with random things from around the house when I cleaned in June. I put them away and if we didnt look in there or need it I was going to donate it. I posted on local facebook garage sale site, FREE and they were gone within minutes. Next time I will charge something. Thanks!
I'm thinking of selling hand smocked dresses on our county's facebook swap page. I will use the proceeds to pay for some of oldest dd's expenses that aren't covered by our insurance or medicaid.
Reimbursed part of student loan I overpaid last month when I paid it off with a lower interest loan. Money I forgot about. That 69.00 will go towards car loan.
I've decided to throw all my extra cash at the mortgage. I was debating on setting up a new car sinking fund but my mortgage only has a balance of $62,000 and the rate is 5%. I didn't refinance because I thought I'd have it paid off by now. My FICO score is so high I could always finance a car for 0% or close to it without tapping into my liquid cash.....so this is the year of the throw everything extra at the mortgage.
refund for overpayment of school loan payoff went towards car loan, DH says we should have the loan paid off by this July. Original pay off date was 1/2017! Another goal set.
Just put $4,000 of excess cash on my mortgage principal. It feels good seeing the balance go down that much. I was foolish not to be doing this for the past five years when I was making much more money but I'm determined to get this thing paid off in less than four years.
extra 9 hours on this paycheck went to vacation fund. Dh says the price of gas is expected to go up again at the end of month when when we will be traveling.
My job requires more and more travelling, and that is good for the budget:
-If I use my own car; .675/km. If I get the electric car I'm looking at, that will increase to .7/km.
-$30-$115/day for food. I never spend this much, for shorter trips I try to pack lunch and coffee.
-Travelling usually means extra hours. Last year it was almost 120 hours, in January alone I think I'll get 25 hours.
Took a extra assignment after school. When I get it in pay it will go to gas money for week. Signed up for more even though I said I wasn't going to do it anymore. Feel foolish passing up easy extra money that would help me reach goals faster.
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